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Browse all calculators, employer equity guides, and tax documentation on goldenhandcuffs.fyi.

1. Core Pages

2. RSU Tax Guides

The IRC § 3402(g) Supplemental Withholding Gap: Why 22% Sell-to-Cover Leaves a 15% Tax Deficit

Explains the statutory discrepancy between the 22% flat federal supplemental withholding rate applied during brokerage sell-to-cover transactions and the 32%–37% progressive income tax brackets faced by senior engineers and product leaders.

/guides/rsu-supplemental-withholding-gap

IRS Form 1040-ES Safe Harbor & Form 2210 Annualized Income Installment Method for Variable RSU Vests

Covers the statutory mechanics of IRC § 6654 estimated tax penalties, the asymmetrical IRS quarterly calendar, the 110% prior-year vs. 90% current-year safe harbor tests, and California’s $1M AGI rule.

/guides/safe-harbor-estimated-taxes

How to Prevent RSU Double Taxation: Reconciling W-2 Box 14 with Form 1099-B on Form 8949

Step-by-step instructions for auditing brokerage Form 1099-B statements against W-2 Box 1/14 ordinary income and applying Form 8949 cost basis adjustments.

/guides/1099-b-cost-basis-double-taxation

Multi-State RSU Tax Allocation & Trailing Liability When Relocating Before Vest (CA, NY, WA, TX)

Details the statutory workday-allocation formulas used by California, New York, and Massachusetts to tax unvested RSUs for years after an employee relocates to a zero-tax state.

/guides/multi-state-rsu-tax-allocation

Pre-IPO Double-Trigger RSUs, Liquidity Waivers & Secondary Tender Offer Taxation

Analyzes double-trigger RSU mechanics (time-vesting + liquidity-event trigger), company-sponsored liquidity waivers, secondary tender offers, and the $1M supplemental rate cliff.

/guides/pre-ipo-double-trigger-rsus

3. Employer RSU Calculators

Amazon AMZN

Morgan Stanley at Work (Shareworks) / Fidelity • Ref FMV: $215 • 5% Year 1, 15% Year 2, 40% Year 3, 40% Year 4 (Semi-annual in Y1-2, quarterly/semi-annual in Y3-4)
Open Amazon Calculator →

Google (Alphabet) GOOGL

Charles Schwab / Morgan Stanley • Ref FMV: $190 • Frontloaded 33% Year 1, 33% Year 2, 22% Year 3, 12% Year 4 (Monthly vesting; quarterly for certain international/legacy grants)
Open Google (Alphabet) Calculator →

Meta Platforms META

Charles Schwab Stock Plan Services • Ref FMV: $680 • Uniform 25% per year, vesting quarterly in February, May, August, and November (no 1-year cliff for standard new-hire grants)
Open Meta Platforms Calculator →

Apple AAPL

E*TRADE by Morgan Stanley • Ref FMV: $235 • Semi-annual vesting (25% per year split into two 12.5% tranches every 6 months)
Open Apple Calculator →

Microsoft MSFT

Fidelity Investments (NetBenefits) • Ref FMV: $420 • 25% annual vest on initial on-hire stock awards (quarterly after Year 1); 20% per year over 5 years (quarterly) on annual stock rewards
Open Microsoft Calculator →

Nvidia NVDA

E*TRADE by Morgan Stanley / Charles Schwab • Ref FMV: $135 • 4-year initial grant (25% Year 1 cliff, then 6.25% quarterly); annual focal grants vest 6.25% quarterly with no cliff
Open Nvidia Calculator →

Stripe PRIVATE

Carta / Morgan Stanley at Work • Ref FMV: $42 • Quarterly vesting (historically double-trigger RSUs modified via company-sponsored liquidity and tender offer settlements)
Open Stripe Calculator →

Databricks PRIVATE

Carta / Morgan Stanley at Work (Shareworks) • Ref FMV: $75 • Quarterly vesting following 1-year cliff, with company-sponsored RSU settlement and secondary tender liquidity events
Open Databricks Calculator →